Factors Influencing Adoption of IoT and Its Impact on CRM in Banks: Examining the Moderating Role of Gender, Age, and Bank Ownership Type

Table 3

CFA model fit indices.

Model	CMIN/DF	GFI	AGFI	NFI	CFI	RMSEA
Recommended value	Acceptable 1-4	≥0.90	≥0.85	≥0.90	≥0.90	<0.07
	Wheaton et al. [116]	Shevlin and Miles [117]	Shevlin and Miles [117]	Hu and Bentler [118]	Hu and Bentler [118]	MacCallum et al. [119]
Model fit indices (first-order CFA)
Study model-1 (first order)	2.148	0.934	0.904	0.958	0.967	0.046
Model fit indices (second-order CFA)
Study model-2 (second order)	2.218	0.918	0.894	0.939	0.954	0.051